JCL

Own Apple products easily - no credit card needed, with low monthly instalments at an affordable price.

How it works?

Easy Payment
Instalment up to 36 months*.
Where to apply?
In-Store & Online.
Simple Application
Present IC and payslip.

How to register?

Step 1
Fill in your information and complete the application form.
Click here to apply
Step 2
JCL will conduct a verification and credit assessment.

You will receive a call from JCL within the same day, so please ensure your phone is available to complete the verification process.
Step 3
Applicants will receive notification once the application is approved.
Step 4
Successful applicants visit store to sign agreement and pick-up purchased item.

How to apply?

Salaried Employee
•⁠ Malaysian Citizen (Blue IC Only)
•⁠ ⁠Between the age of 18 to 60 years
•⁠ ⁠Working 3 months above with current employer
•⁠ ⁠Not residing or working in a military camp
•⁠ ⁠Net Salary RM 1,000 above
Apply Now

View pricing of the devices

Model	Capacity	12 mo.	24 mo.	36 mo.	48 mo.
iPhone 18 Pro	256GB	RM527	RM298	RM221	RM183
iPhone 18 Pro	512GB	RM623	RM352	RM262	RM217
iPhone 18 Pro	1TB	RM814	RM460	RM342	RM283
iPhone 18 Pro	2TB	RM1,102	RM653	RM463	RM383
iPhone 18 Pro Max	256GB	RM575	RM325	RM242	RM200
iPhone 18 Pro Max	512GB	RM671	RM379	RM282	RM233
iPhone 18 Pro Max	1TB	RM862	RM487	RM362	RM300
iPhone 18 Pro Max	2TB	RM1,150	RM650	RM483	RM400
iPhone 17e	256GB	RM316	RM179	RM133	RM110
iPhone 17e	512GB	RM412	RM233	RM173	RM244
iPhone 17	256GB	RM412	RM233	RM173	RM143
iPhone 17	512GB	RM508	RM287	RM213	RM177
iPhone 17 Pro	256GB	RM527	RM298	RM221	RM183
iPhone 17 Pro	512GB	RM623	RM352	RM262	RM217
iPhone 17 Pro	1TB	RM719	RM406	RM302	RM250
iPhone 17 Pro Max	256GB	RM575	RM325	RM242	RM200
iPhone 17 Pro Max	512GB	RM671	RM379	RM282	RM233
iPhone 17 Pro Max	1TB	RM767	RM433	RM322	RM267
iPhone 17 Pro Max	2TB	RM958	RM542	RM403	RM333
iPhone Air	256GB	RM508	RM287	RM213	RM177
iPhone Air	512GB	RM604	RM341	RM254	RM210
iPhone Air	1TB	RM795	RM450	RM334	RM277
iPhone 16e	128GB	RM230	RM130	RM97	RM80
iPhone 16	128GB	RM335	RM190	RM141	RM117
iPhone 15	128GB	RM307	RM173	RM129	RM107
iPhone 14	128GB	RM201	RM114	RM85	RM70
iPhone 14	256GB	RM249	RM141	RM105	RM87
iPhone 13	128GB	RM182	RM103	RM76	RM63

Model	Capacity	12 mo.	24 mo.	36 mo.	48 mo.
iPad Pro 11-inch (M5 \| 2025) Wi-Fi \| Standard Glass	256GB	RM527	RM298	RM221	RM183
iPad Pro 11-inch (M5 \| 2025) Wi-Fi \| Standard Glass	512GB	RM613	RM347	RM258	RM213
iPad Pro 11-inch (M5 \| 2025) Wi-Fi \| Standard Glass	1TB	RM786	RM444	RM330	RM273
iPad Pro 11-inch (M5 \| 2025) Wi-Fi \| Nano-texture Glass	1TB	RM824	RM466	RM346	RM287
iPad Pro 11-inch (M5 \| 2025) Wi-Fi \| Standard Glass	2TB	RM997	RM563	RM419	RM347
iPad Pro 11-inch (M5 \| 2025) Wi-Fi \| Nano-texture Glass	2TB	RM1,035	RM585	RM435	RM360
iPad Pro 11-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	256GB	RM613	RM347	RM258	RM213
iPad Pro 11-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	512GB	RM699	RM395	RM294	RM243
iPad Pro 11-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	1TB	RM872	RM493	RM366	RM303
iPad Pro 11-inch (M5 \| 2025) Wi-Fi + Cellular \| Nano-texture Glass	1TB	RM910	RM515	RM383	RM317
iPad Pro 11-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	2TB	RM1,083	RM612	RM455	RM377
iPad Pro 11-inch (M5 \| 2025) Wi-Fi + Cellular \| Nano-texture Glass	2TB	RM1,121	RM634	RM471	RM390
iPad Pro 13-inch (M5 \| 2025) Wi-Fi \| Standard Glass	256GB	RM652	RM368	RM274	RM227
iPad Pro 13-inch (M5 \| 2025) Wi-Fi \| Standard Glass	512GB	RM738	RM417	RM310	RM257
iPad Pro 13-inch (M5 \| 2025) Wi-Fi \| Standard Glass	1TB	RM910	RM515	RM383	RM317
iPad Pro 13-inch (M5 \| 2025) Wi-Fi \| Nano-texture Glass	1TB	RM949	RM536	RM399	RM330
iPad Pro 13-inch (M5 \| 2025) Wi-Fi \| Standard Glass	2TB	RM1,121	RM634	RM471	RM390
iPad Pro 13-inch (M5 \| 2025) Wi-Fi \| Nano-texture Glass	2TB	RM1,159	RM655	RM487	RM403
iPad Pro 13-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	256GB	RM738	RM417	RM310	RM257
iPad Pro 13-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	512GB	RM824	RM466	RM346	RM287
iPad Pro 13-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	1TB	RM997	RM563	RM419	RM347
iPad Pro 13-inch (M5 \| 2025) Wi-Fi + Cellular \| Nano-texture Glass	1TB	RM1,035	RM585	RM435	RM360
iPad Pro 13-inch (M5 \| 2025) Wi-Fi + Cellular \| Standard Glass	2TB	RM1,207	RM682	RM507	RM420
iPad Pro 13-inch (M5 \| 2025) Wi-Fi + Cellular \| Nano-texture Glass	2TB	RM1,246	RM704	RM524	RM433
iPad 11-inch (A16 \| 2025) Wi-Fi	128GB	RM196	RM111	RM83	RM68
iPad 11-inch (A16 \| 2025) Wi-Fi	256GB	RM235	RM133	RM99	RM82
iPad 11-inch (A16 \| 2025) Wi-Fi	512GB	RM321	RM181	RM135	RM112
iPad 11-inch (A16 \| 2025) Wi-Fi + Cellular	128GB	RM263	RM149	RM111	RM92
iPad 11-inch (A16 \| 2025) Wi-Fi + Cellular	256GB	RM302	RM171	RM127	RM105
iPad 11-inch (A16 \| 2025) Wi-Fi + Cellular	512GB	RM388	RM219	RM163	RM135
iPad Air 11-inch (M4 \| 2026) Wi-Fi	128GB	RM335	RM190	RM141	RM117
iPad Air 11-inch (M4 \| 2026) Wi-Fi	256GB	RM374	RM211	RM157	RM130
iPad Air 11-inch (M4 \| 2026) Wi-Fi	512GB	RM460	RM260	RM193	RM160
iPad Air 11-inch (M4 \| 2026) Wi-Fi	1TB	RM584	RM330	RM246	RM203
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	128GB	RM402	RM227	RM169	RM140
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	256GB	RM441	RM249	RM185	RM153
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	512GB	RM527	RM298	RM221	RM183
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	1TB	RM652	RM368	RM274	RM227
iPad Air 13-inch (M4 \| 2026) Wi-Fi	128GB	RM422	RM238	RM177	RM147
iPad Air 13-inch (M4 \| 2026) Wi-Fi	256GB	RM460	RM260	RM193	RM160
iPad Air 13-inch (M4 \| 2026) Wi-Fi	512GB	RM546	RM309	RM230	RM190
iPad Air 13-inch (M4 \| 2026) Wi-Fi	1TB	RM671	RM379	RM282	RM233
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	128GB	RM489	RM276	RM205	RM170
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	256GB	RM527	RM298	RM221	RM183
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	512GB	RM613	RM347	RM258	RM213
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	1TB	RM738	RM417	RM310	RM257
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi	128GB	RM259	RM146	RM109	RM90
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi	256GB	RM297	RM168	RM125	RM103
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi	512GB	RM383	RM217	RM161	RM133
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi + Cellular	128GB	RM326	RM184	RM137	RM113
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi + Cellular	256GB	RM364	RM206	RM153	RM127
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi + Cellular	512GB	RM450	RM255	RM189	RM157

Model	12 mo.	24 mo.	36 mo.	48 mo.
iMac 24-inch 4.5K Retina \| Nano-Texture \| M4 \| 10/10 Core \| 16GB + 256GB	RM805	RM455	RM338	RM280
iMac 24-inch 4.5K Retina \| Standard Glass \| M4 \| 10/10 Core \| 24GB + 512GB	RM891	RM504	RM375	RM310
iMac 24-inch 4.5K Retina \| Standard Glass \| M4 \| 8/8 Core \|16GB + 256GB	RM623	RM352	RM262	RM217
iMac 24-inch 4.5K Retina \| Standard Glass \| M4 \| 10/10 Core \| 16GB + 256GB	RM719	RM406	RM302	RM250
iMac 24-inch 4.5K Retina \| Standard Glass \| M4 \| 10/10 Core \| 16GB + 512GB	RM805	RM455	RM338	RM280
Mac mini M5 Pro \| 15/16 Core \| 24GB + 512GB	RM719	RM406	RM302	RM250
Mac mini M6 \| 12/12 Core \| 24GB + 512GB	RM537	RM303	RM226	RM187
Mac mini M6 \| 12/12 Core \| 16GB + 512GB	RM405	RM255	RM189	RM157
Mac mini M6 \| 12/12 Core \| 16GB + 256GB	RM364	RM206	RM153	RM127
Mac Studio M5 Ultra \| 30/64 Core \| 96GB + 1TB	RM2,396	RM1,354	RM1,007	RM833
Mac Studio M5 Max \| 18/32 Core \| 36GB + 512GB	RM1,054	RM596	RM443	RM367
MacBook Air 13-inch M5 \| 10/8 Core \| 16GB + 512GB	RM527	RM298	RM221	RM183
MacBook Air 13-inch M5 \| 10/10 Core \| 16GB + 1TB	RM656	RM371	RM276	RM228
MacBook Air 13-inch M5 \| 10/10 Core \| 24GB + 1TB	RM743	RM420	RM312	RM258
MacBook Air 15-inch M5 \| 10/10 Core \| 16GB + 512GB	RM604	RM341	RM254	RM210
MacBook Air 15-inch M5 \| 10/10 Core \| 16GB + 1TB	RM733	RM414	RM308	RM255
MacBook Air 15-inch M5 \| 10/10 Core \| 24GB + 1TB	RM819	RM463	RM344	RM285
MacBook Neo 13-inch A18 Pro \| 6/5 Core \| 8GB +256GB	RM287	RM162	RM121	RM100
MacBook Neo 13-inch A18 Pro \| Touch ID \| 6/5 Core \| 8GB + 512GB	RM326	RM184	RM137	RM113
MacBook Pro 14-inch M5 \| 10/10 Core \| 32GB + 1TB	RM834	RM471	RM350	RM290
MacBook Pro 14-inch M5 \| 10/10 Core \| 16GB + 1TB	RM671	RM379	RM282	RM233
MacBook Pro 14-inch M5 \| 10/10 Core \| 24GB + 1TB	RM751	RM425	RM316	RM262
MacBook Pro 14-inch M5 Pro \| 15/16 Core \| 24GB + 1TB	RM987	RM558	RM415	RM343
MacBook Pro 14-inch M5 Pro \| 18/20 Core \| 24GB + 2TB	RM1,294	RM731	RM544	RM450
MacBook Pro 14-inch M5 Max \| 18/32 Core \| 36GB + 2TB	RM1,687	RM953	RM709	RM587
MacBook Pro 14-inch M5 Pro \| 15/16 Core \| 24GB + 2TB	RM1,203	RM680	RM505	RM418
MacBook Pro 14-inch M5 \| 10/10 Core \| 32GB + 1TB	RM968	RM547	RM407	RM337
MacBook Pro 16-inch M5 Pro \| 18/20 Core \| 24GB + 1TB	RM1,198	RM677	RM503	RM417
MacBook Pro 16-inch M5 Pro \| 18/20 Core \| 48GB + 1TB	RM1,457	RM823	RM612	RM507
MacBook Pro 16-inch M5 Max \| 18/32 Core \| 36GB + 2TB	RM1,773	RM1,002	RM745	RM617
MacBook Pro 16-inch M5 Max \| 18/20 Core \| 24GB + 2TB	RM2,012	RM1,137	RM846	RM700

Model	Size	12 mo.	24 mo.	36 mo.	48 mo.
Apple Watch Ultra 4 GPS + Cellular Titanium Case + Titanium Milanese Loop	49mm	RM402	RM227	RM169	RM140
Apple Watch Ultra 4 GPS + Cellular Titanium Case + Ocean Band	49mm	RM354	RM200	RM149	RM123
Apple Watch Ultra 4 GPS + Cellular Titanium Case + Alpine Loop	49mm	RM354	RM200	RM149	RM123
Apple Watch Ultra 4 GPS + Cellular Titanium Case + Trail Loop	49mm	RM354	RM200	RM149	RM123
Apple Watch Series 12 GPS Aluminium Case + Sport Band	42mm	RM172	RM97	RM72	RM60
Apple Watch Series 12 GPS Aluminium Case + Milanese Loop	42mm	RM196	RM111	RM83	RM68
Apple Watch Series 12 GPS Aluminium Case + Sport Band	46mm	RM196	RM111	RM83	RM68
Apple Watch Series 12 GPS Aluminium Case + Milanese Loop	46mm	RM220	RM125	RM93	RM77
Apple Watch Series 12 GPS + Cellular Aluminium Case + Sport Band	42mm	RM220	RM125	RM93	RM77
Apple Watch Series 12 GPS + Cellular Aluminium Case + Milanese Loop	42mm	RM244	RM138	RM103	RM85
Apple Watch Series 12 GPS + Cellular Titanium Case + Sport Band	42mm	RM316	RM179	RM133	RM110
Apple Watch Series 12 GPS + Cellular Titanium Case + Milanese Loop	42mm	RM340	RM192	RM143	RM118
Apple Watch Series 12 GPS + Cellular Ceramic Case + Sport Band	42mm	RM388	RM219	RM163	RM135
Apple Watch Series 12 GPS + Cellular Aluminium Case + Sport Band	46mm	RM244	RM138	RM103	RM85
Apple Watch Series 12 GPS + Cellular Aluminium Case + Milanese Loop	46mm	RM268	RM152	RM113	RM93
Apple Watch Series 12 GPS + Cellular Titanium Case + Sport Band	46mm	RM340	RM192	RM143	RM118
Apple Watch Series 12 GPS + Cellular Titanium Case + Milanese Loop	46mm	RM364	RM206	RM153	RM127
Apple Watch Series 12 GPS + Cellular Ceramic Case + Sport Band	46mm	RM412	RM233	RM173	RM143
Apple Watch SE 3 GPS Aluminium Case + Sport Band	40mm	RM101	RM57	RM42	RM35
Apple Watch SE 3 GPS Aluminium Case + Sport Band	44mm	RM115	RM65	RM48	RM40
Apple Watch SE 3 GPS + Cellular Aluminium Case + Sport Band	40mm	RM124	RM70	RM52	RM43
Apple Watch SE 3 GPS + Cellular Aluminium Case + Sport Band	44mm	RM139	RM78	RM58	RM48

Model	12 mo.	24 mo.	36 mo.	48 mo.
Apple Pencil 2nd Generation	RM53	RM30	RM22	RM18
Apple Pencil - USB-C \| 2023	RM33	RM19	RM14	RM12
Apple Pencil Pro	RM53	RM30	RM22	RM18
HomePod	RM163	RM92	RM68	RM57
HomePod mini	RM57	RM32	RM24	RM20
AirPods 5 with Wireless Charging Case	RM67	RM38	RM28	RM23
AirPods 5	RM57	RM32	RM24	RM20
AirPods Pro 3	RM96	RM54	RM40	RM33
AirPods Max 2	RM220	RM125	RM93	RM77
AirTag 2nd Generation - 4 Pack	RM41	RM23	RM17	RM14
AirTag 2nd Generation - 1 Pack	RM12	RM7	RM5	RM4

Frequently Asked Questions

Overview

JCL
• A financing solution offering low monthly instalments at an affordable price.
Repayment loans are available for up to 36 months.
Multiple devices can be applied for under one application, which will fall under one agreement (e.g., 2 iPhones or 2 iPads).
Eligibility:

Salaried Employees:
• Ages 18 to 60
• Nett salary of RM1000 and above
• Malaysian citizens (blue IC only)
• Minimum working period of 3 months
• Not residing or working in a military camp
Supporting Documents:
• Copy of Identity Card (front & back)
• Latest payslip (one month only)
Guarantor / Collateral:
• No guarantor or collateral required.
Processing Time:
• 1 to 3 working days from application to approval.

Payment

Application Fee:
No payment upon application. RM54 (inclusive of 8% SST) processing fee will be collected by JCL upon approval.
Monthly Repayment Methods:
Auto debit deduction from applicant’s savings account
Manual payment through the “Jclicks” application.
Late Payment:
Late payment charges apply if payment is past due date.
Auto-Debit Requirement:
All applicants must apply for auto-debit before collecting their devices.
Confidentiality:
Personal information is kept confidential in compliance with the Personal Data Protection Act 2010 (PDPA).
Early Settlement Rebate:
Discounted price for early settlement.

Contract

Termination:
• Early termination is allowed. Contact Customer Service at 03-26167900.
Device Collection:
• Device can be collected on the spot after signing the agreement.
Contract Details:
• Contract will be sent via postage within 1 month after collecting the device.

Terms and conditions will be stated in the contract.

General – Lost / Theft / Damage

Faulty Device
• Check the device upon collection for defects. Notify staff and request replacement if defective.

Responsibility for the device continues throughout the contract duration.
Lost/Stolen Device:
• No protection for lost or stolen devices; payments must continue until the end of the contract.
Broken Device:
• No protection for broken devices; payments must continue until the end of the contract.

JCL

Own Apple products easily - no credit card needed, with low monthly instalments at an affordable price.

How it works?

Easy Payment

Where to apply?

Simple Application

How to register?

Step 1

Step 2

You will receive a call from JCL within the same day, so please ensure your phone is available to complete the verification process.

Step 3

Step 4

How to apply?

Salaried Employee

View pricing of the devices

Frequently Asked Questions

Overview

Payment

Contract

General – Lost / Theft / Damage

How does Financing work?

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